Save tax up to ₹75,000 ~ u/s 80D.
Save tax up to ₹75,000 ~ u/s 80D.
JOY is a thoughtfully designed health insurance plan with maternity coverage for expecting mothers and newborns. At Care Health Insurance, we understand that rising medical inflation and skyrocketing hospitalization expenses create financial hindrances for to-be parents. Therefore, we offer JOY- the most health insurance with a maternity cover that gives the best healthcare facilities to the mother and her baby.
Available at an affordable premium, this plan reduces the couple's financial worries about delivery-related expenses and encourages them to start their family at the right time. It comes with a waiting period, so it is advisable to get maternity cover insurance in advance and stay prepared to welcome your baby into this world without any distress.
Cover Highlights
Health insurance with maternity coverage comes with the following features:
KEY FEATURES | Joy Today | Joy Tomorrow |
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In-Patient Care | ||
Day Care Treatment | ||
Pre-hospitalization
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We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
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30 days | 30 days |
Post-hospitalization
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We cover the related medical expenses incurred by you even 30 days before your hospitalization. There may also be follow-up visits to your medical practitioner, medication that is required etc. We cover the related medical expenses incurred by you after your hospitalization also, for a period of 60 days.
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60 days | 60 days |
Ambulance Cover | Up to ₹1,000 per Claim | Up to ₹1,000 per Claim |
Maternity Cover
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We will cover maternity-related expenses incurred with respect to hospitalisation for the delivery of the child. What’s more, we even cover pre and post-natal expenses!
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Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI |
Up to ₹35,000 for 3L SI Up to ₹50,000 for 5L SI |
Newborn Baby Cover
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We will also cover the medical expenses of your dear newborn from birth till the completion of 90 days. After 90 days, your baby would be covered under the regular policy upon payment of additional premium.
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Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI |
Up to ₹30,000 for 3 Lac SI Up to ₹50,000 for 5 Lac SI |
New Born Birth Defects | Not Applicable | ₹50,000 |
Maternity wait period | 9 months | 24 months |
Look for hospitals around you
You can buy a maternity insurance plan when you are ahead in planning a family. Under our maternity/pregnancy insurance cover “Joy Today”, we cover maternity expenses after 9 months, and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.
No, you can’t buy JOY- Maternity Health Insurance while pregnant. You can take maternity insurance when ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Care’s Joy Maternity Insurance Plan will provide essential coverage.
We have two maternity health insurance products their respective waiting period is mentioned as below:
The eligibility for maternity health insurance is:
No, if you get pregnant before enrolling in a health plan and delivery happens after the waiting period, you are eligible to avail of the benefit.
Self-termination of pregnancy is not covered under maternity coverage.
Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024
~~10% discount is applicable for a 3-year policy
Get the best financial security with Care Health Insurance!
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